{"id":18295,"date":"2026-10-06T16:07:03","date_gmt":"2026-10-06T14:07:03","guid":{"rendered":"https:\/\/apcal.lu\/?p=18295"},"modified":"2026-10-13T10:11:15","modified_gmt":"2026-10-13T08:11:15","slug":"assurance-gestion-alternative-diversifier-les-moteurs-de-performance","status":"publish","type":"post","link":"https:\/\/apcal.lu\/fr\/assurance-gestion-alternative-diversifier-les-moteurs-de-performance\/","title":{"rendered":"Assurance & gestion alternative : diversifier les moteurs de performance."},"content":{"rendered":"

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Assurance & gestion alternative : diversifier les moteurs de performance<\/h1>\n

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CANDRIAM <\/a><\/em><\/strong>nous explique comment int\u00e9grer les strat\u00e9gies alternatives dans une approche patrimoniale afin de renforcer la diversification des contrats d\u2019assurance-vie et d\u2019apporter une valeur ajout\u00e9e concr\u00e8te \u00e0 l\u2019accompagnement des clients.<\/h3>\n<\/div>\n

[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2026\/10\/candriam-2.png\u00a0\u00bb alt=\u00a0\u00bbLifepartners et la finance durable\u00a0\u00bb title_text=\u00a0\u00bbcandriam 2″ align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb min_height=\u00a0\u00bb899.7px\u00a0\u00bb custom_margin=\u00a0\u00bb||0px||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

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La diversification ne se mesure pas au nombre d\u2019investissements d\u00e9tenus, mais \u00e0 la diversit\u00e9 de leurs comportements lorsque l\u2019environnement de march\u00e9 change. Pour les courtiers en assurance-vie, la gestion alternative offre des pistes pour compl\u00e9ter les allocations des clients. Comment appr\u00e9cier sa place dans un contrat et en expliquer l\u2019int\u00e9r\u00eat au client ? L\u2019enjeu est d\u2019identifier des moteurs de performance compl\u00e9mentaires \u00e0 ceux des supports d\u00e9j\u00e0 d\u00e9tenus, en tenant compte de ses objectifs et de son profil de risque.<\/strong><\/p>\n

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[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbA qui s\u2019adresse ce nouveau produit ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Des sources de performance faiblement corr\u00e9l\u00e9es<\/h2>\n

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La corr\u00e9lation entre les march\u00e9s actions et obligataires \u00e9volue avec l\u2019environnement \u00e9conomique. Certains facteurs, comme une hausse de l\u2019inflation ou des taux d\u2019int\u00e9r\u00eat, peuvent peser simultan\u00e9ment sur les deux classes d\u2019actifs. La poche obligataire peut alors moins bien amortir le recul des actions, ce qui r\u00e9duit les b\u00e9n\u00e9fices attendus de la diversification.<\/span><\/p>\n

Les strat\u00e9gies alternatives cherchent \u00e0 apporter des sources de performance faiblement corr\u00e9l\u00e9es aux march\u00e9s traditionnels. Leur int\u00e9gration dans une allocation existante peut permettre de r\u00e9duire la volatilit\u00e9 du portefeuille et potentiellement am\u00e9liorer son profil rendement\/risque.<\/span><\/p>\n

Cette gestion peut investir dans les m\u00eames classes d\u2019actifs que la gestion traditionnelle, tout en s\u2019appuyant sur d\u2019autres moteurs de performance. Par exemple, une strat\u00e9gie de valeur relative associe des positions acheteuses (long) et vendeuses (short) pour exploiter un \u00e9cart de valorisation entre deux titres. Sa performance repose sur leur \u00e9volution relative, avec une exposition limit\u00e9e \u00e0 la direction du march\u00e9.<\/span><\/p>\n

Dans le cas d\u2019une strat\u00e9gie d\u2019arbitrage de fusions-acquisitions, les g\u00e9rants investissent dans une entreprise qui fait l\u2019objet d\u2019une offre de rachat. Ils ach\u00e8tent ses actions en Bourse \u00e0 un prix inf\u00e9rieur \u00e0 celui propos\u00e9 par l\u2019acqu\u00e9reur. Cet \u00e9cart refl\u00e8te l\u2019incertitude sur la r\u00e9alisation de l\u2019op\u00e9ration. Le moteur de performance est le rapprochement du cours vers le prix de l\u2019offre lorsque l\u2019op\u00e9ration se concr\u00e9tise.<\/span><\/p>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbA qui s\u2019adresse ce nouveau produit ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Une diversification \u00e0 deux niveaux<\/h2>\n

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CANDRIAM<\/a><\/em> a \u00e9tudi\u00e9 l\u2019apport de cette diversification en comparant un portefeuille traditionnel compos\u00e9 de 60 % d\u2019actions et de 40 % d\u2019obligations \u00e0 un portefeuille diversifi\u00e9 40% actions, 30% d\u2019obligations et 30% de strat\u00e9gies alternatives. Dans les simulations historiques de notre \u00e9tude, l\u2019allocation int\u00e9grant cette poche alternative, dont la composition s\u2019adapte aux phases \u00e9conomiques, pr\u00e9sente un meilleur profil rendement\/risque sur la p\u00e9riode \u00e9tudi\u00e9e.\u00b9<\/p>\n

Un second niveau de diversification se joue au sein m\u00eame de la poche alternative : les strat\u00e9gies qui la composent ne r\u00e9agissent pas toutes de la m\u00eame fa\u00e7on aux conditions de march\u00e9. Leur combinaison permet de potentiellement multiplier les sources de performance, y compris au sein d\u2019une m\u00eame classe d\u2019actifs.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbQuels sont les atouts du produit d\u2019assurance vie SOGELIFE Fortuna Portugal ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Plusieurs strat\u00e9gies, un seul fonds<\/h2>\n

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Notre fonds Candriam L Alternative Multi-Strategies r\u00e9unit, au sein d\u2019un m\u00eame v\u00e9hicule UCITS, une dizaine de strat\u00e9gies d\u00e9velopp\u00e9es et g\u00e9r\u00e9es en interne. Il s\u2019appuie sur trente ans d\u2019expertise en gestion alternative et vise \u00e0 d\u00e9livrer des rendements positifs, faiblement corr\u00e9l\u00e9s aux march\u00e9s traditionnels, quel que soit l\u2019environnement de march\u00e9.<\/p>\n

Le portefeuille associe trois cat\u00e9gories de strat\u00e9gies que nous jugeons compl\u00e9mentaires. Les strat\u00e9gies Market Neutral recherchent une performance peu d\u00e9pendante de la direction des march\u00e9s. Les approches Long\/Short Directional prennent des positions acheteuses et vendeuses pour capter les mouvements de march\u00e9 \u00e0 la hausse ou \u00e0 la baisse, tandis que les strat\u00e9gies Upside Alpha visent \u00e0 tirer parti des environnements porteurs.<\/p>\n

Les \u00e9quipes sp\u00e9cialis\u00e9es assurent la gestion de chaque strat\u00e9gie. Une \u00e9quipe centrale pilote leur allocation et la r\u00e9partition du risque, en l\u2019ajustant aux diff\u00e9rents environnements de march\u00e9 en s\u2019appuyant sur un indicateur quantitatif propri\u00e9taire et sur l\u2019analyse du comit\u00e9 de gestion.<\/p>\n

[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2026\/10\/candriam-leur-info.png\u00a0\u00bb alt=\u00a0\u00bbLifepartners Graphique\u00a0\u00bb title_text=\u00a0\u00bbcandriam leur info\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_divider color=\u00a0\u00bbrgba(120,134,162,0.3)\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb30%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_divider][et_pb_text admin_label=\u00a0\u00bbQuelle est la valeur ajout\u00e9e et l\u2019expertise de SOGELIFE sur le march\u00e9 portugais ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

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Quel apport concret pour le courtier et ses clients ?<\/h2>\n<\/div>\n<\/div>\n<\/div>\n

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Pour le courtier en assurance-vie, ce fonds donne acc\u00e8s \u00e0 plusieurs expertises alternatives au sein d\u2019un seul v\u00e9hicule. Il peut ainsi \u00e9valuer sa compl\u00e9mentarit\u00e9 avec l\u2019allocation existante et la part \u00e0 lui consacrer, en fonction des objectifs du client. Face \u00e0 une allocation principalement investie en actions et en obligations, il dispose ainsi d\u2019une piste pour diversifier les moteurs de performance. Les exemples de valeur relative et d\u2019arbitrage de fusions-acquisitions peuvent l\u2019aider \u00e0 expliquer cette d\u00e9marche au client, tout en pr\u00e9sentant les risques associ\u00e9s.<\/p>\n

Le client, lui, b\u00e9n\u00e9ficie d\u2019une gestion institutionnelle : les g\u00e9rants ajustent les strat\u00e9gies au sein du fonds, sans n\u00e9cessiter d\u2019arbitrages entre plusieurs supports du contrat. Le courtier peut ainsi concentrer son accompagnement sur l\u2019allocation globale : d\u00e9finir la place du fonds, puis r\u00e9\u00e9valuer son poids en fonction de l\u2019\u00e9volution des besoins, de l\u2019horizon de placement et du profil de risque du client.<\/p>\n

Cette gestion int\u00e9gr\u00e9e repose sur une seule couche de frais au niveau du fonds. La commission de performance est calcul\u00e9e sur le r\u00e9sultat agr\u00e9g\u00e9, apr\u00e8s compensation des contributions positives et n\u00e9gatives des strat\u00e9gies. Les frais propres au contrat d\u2019assurance-vie restent applicables.<\/p>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbVous allez donc nous pr\u00e9senter ses m\u00e9canismes le 11 juin 2024, pouvez-vous nous en dire plus ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Prolonger l’\u00e9change au Lunch & Learn<\/h2>\n

[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Pour approfondir la place des strat\u00e9gies alternatives dans une allocation en assurance-vie et d\u00e9couvrir Candriam L Alternative Multi-Strategies, inscrivez-vous au Lunch & Learn du 28 octobre organis\u00e9 avec l\u2019APCAL. Pr\u00e9sent\u00e9e par Steeve Brument, Global Head of Alternative Investments chez Candriam, cette session sera l\u2019occasion d\u2019\u00e9changer sur des questions concr\u00e8tes pour votre activit\u00e9 de conseil : \u00e9valuer la compl\u00e9mentarit\u00e9 du fonds avec les supports d\u00e9j\u00e0 d\u00e9tenus, expliquer son fonctionnement, ses frais et ses principaux risques, et suivre sa place dans l\u2019allocation du client.<\/p>\n

\u00b9 Candriam, Strat\u00e9gies alternatives \u2014 Le 40\/30\/30 est-il le nouveau 60\/40 ?<\/em>, janvier 2024<\/p>\n

[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbDes d\u00e9tails sur ce rendez-vous ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Les d\u00e9tails sur ce rendez-vous ?<\/h2>\n

[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

\n

Date et heure<\/h3>\n

Le mercredi\u00a0 28 octobre 2026\u00a0 \u00e0 12h15<\/p>\n

 <\/p>\n

Lieu<\/h3>\n<\/div>\n
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TERO HOUSE17,<\/div>\n
17 Rue du Nord, L-2229 Luxembourg<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][et_pb_button button_url=\u00a0\u00bbhttps:\/\/academy.li4fe.lu\/course\/view.php?id=1374″ button_text=\u00a0\u00bbInscription\u00a0\u00bb button_alignment=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_button=\u00a0\u00bbon\u00a0\u00bb button_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb button_bg_color=\u00a0\u00bb#16247F\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=\u00a0\u00bbID Entreprise\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2026\/10\/CANDRIAM-STEEVE-BRUMENT.png\u00a0\u00bb alt=\u00a0\u00bbLifepartners\u00a0\u00bb title_text=\u00a0\u00bbCANDRIAM STEEVE BRUMENT\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_text ul_type=\u00a0\u00bbnone\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

\u00a0Steeve Brument Global Head of Alternative Investment at CANDRIAM<\/strong><\/p>\n

 <\/p>\n

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Sponsors Platinium<\/h3>\n

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Sponsors Gold<\/h3>\n

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Sponsors Silver<\/h3>\n

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Plongez dans les subtilit\u00e9s du r\u00e9gime fiscal portugais, comprenez les implications de l’imp\u00f4t sur le revenu, les successions et donations, et apprenez comment les contrats d\u2019assurance vie, notamment la nouvelle offre, Fortuna Portugal de SOGELIFE, peuvent jouer un r\u00f4le cl\u00e9 dans votre strat\u00e9gie patrimoniale. Accompagn\u00e9s par Thibaud Vallancien, Responsable du d\u00e9veloppement commercial pour le Luxembourg, Monaco, Espagne, Suisse et Portugal, d\u00e9couvrez comment optimiser vos investissements dans ce march\u00e9 en plein essor.<\/p>\n","protected":false},"author":178,"featured_media":3939,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[25,1],"tags":[],"class_list":["post-18295","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apcal","category-news"],"yoast_head":"\nAssurance & gestion alternative : diversifier les moteurs de performance. - Apcal<\/title>\n<meta name=\"description\" content=\"L'assurance-vie au Portugal : D\u00e9cryptage du R\u00e9gime Fiscal, Successions et portabilit\u00e9. 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